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📍 Saginaw, MO · Zillow ZHVI · July 2026

Average Home Price in
Saginaw, MO

Joplin, MO metro area · Newton County County

Median Home Value
$240,424
↑ 3.2% year-over-year
vs. National Median
$410,000
Saginaw is 41% below
Est. Monthly Payment
$1,254/mo
20% down · 6.8% rate
Income Needed
$64K
gross annual (30% rule)
Median Home Value
$240,424
↑ 3.2% year-over-year
Down Payment (20%)$48,085
Monthly P&I$1,254/mo
With Taxes & Ins.~$1,593/mo
Income Needed$63,720/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Saginaw, MO

The median home value in Saginaw, MO is $240,424 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.2% compared to a year ago and up 6.2% from two years prior.

Compared to the U.S. national median of $410,000, homes in Saginaw are priced41% below average. Saginaw is part of the Joplin, MO metro area.

City Comparison

Saginaw vs. National Median

🏠 Saginaw
$240,424
National Median
$410,000

At $240,424, homes in Saginaw cost 41% below the national median of $410,000. This makes Saginaw a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Saginaw?

20% Down Payment
$48,085
on $240,424
Monthly P&I
$1,254/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,593/mo
incl. taxes & insurance
Income Needed
$63,720
gross annual (30% rule)
10% Down Option
$24,042
+ PMI applies
Loan Amount (20% dn)
$192,339
at current rates

Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.

FAQ

Frequently Asked Questions

What is the average home price in Saginaw, MO?
The median home value in Saginaw is $240,424 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.2% year-over-year.
How much have home prices changed in Saginaw?
Over the past year, home values in Saginaw have increased by 3.2%.
How much do I need to earn to buy a home in Saginaw?
To comfortably afford the median home price of $240,424 with a 20% down payment ($48,085) at today's rates (6.8%), you'd need a gross annual income of approximately $63,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Saginaw compare to the national average home price?
The national median home value is approximately $410,000. At $240,424, homes in Saginaw are 41% below the national average.
What metro area is Saginaw part of?
Saginaw is part of the Joplin, MO metropolitan area. Home prices and market conditions can vary across the broader metro region.